Mountlake Terrace, WA · Cert 35362
FDIC
Q2 2010
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q2 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.76% | -0.05% | 2.09% | 1.65% | 1.16% | 0.73% | 0.06%1 | 0.22%1 | -143 bps | |
| Return on Equity | 10.25% | -0.59% | 18.76% | 15.27% | 10.72% | 6.81% | 0.53% | 1.98% | -1,329 bps | |
| Net Interest Margin | 3.06% | 2.89% | 3.12% | 3.00% | 2.97% | 2.99% | 2.27% | 2.48% | -52 bps | |
| Efficiency Ratio | 73.00% | 71.91% | 37.54% | 42.99% | 50.03% | 55.50% | 79.21% | 79.62% | +3,664 bps | |
| Non-Interest Burden | 0.95% | 1.27% | -4.70% | -4.05% | -3.09% | -2.20% | 0.16% | 0.39% | +444 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 30.84% | 29.98% | 12.63% | 31.35% | 24.40% | 14.29% | -0.64% | -9.12% | -4,048 bps | |
| Loan Growth (YoY) | 37.78% | 23.98% | 6.58% | 23.03% | 11.55% | 5.06% | -12.51% | -14.31% | -3,734 bps | |
| Deposit Growth (YoY) | 8.52% | 7.15% | -7.08% | -7.19% | 2.49% | 14.42% | 23.52% | 24.60% | +3,179 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.22% | 6.10% | 4.90% | 4.89% | 4.59% | 2.79% | 2.72% | -218 bps | |
| Allowance / Loans | 0.91% | 1.45% | 1.17% | 1.21% | 1.25% | 1.53% | 1.65% | 1.44% | +23 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Total Risk-Based Capital | 12.23% | 19.09% | 19.46% | 18.27% | 19.27% | 19.01% | 20.72% | 20.72% | +245 bps | |
| Equity / Assets | 7.76% | 11.32% | 11.02% | 10.16% | 10.93% | 10.46% | 11.16% | 11.17% | +101 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 127.62% | 133.56% | 149.23% | 162.58% | 138.91% | 122.64% | 105.70% | 111.81% | -5,077 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.17% | 0.52% | 0.76% | 1.74% | 2.74% | +257 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |